The government's cost-of-living adjustments will allow you to save more for retirement in 2015, but don't wait until then to evaluate your goals to set -- or reset -- your retirement planning going forward.

Many older Americans say they plan to work forever, some because they feel they have no choice -- they haven't saved enough to retire, and they aren't eligible for much in the way of retirement benefits.

Retirement confidence has taken a beating in recent years. One of the root causes suggested by the survey results is that the difficulty of meeting short-term goals might be so great that people never get around to focusing on long-term goals.